---
canonical_url: https://lendb.ai/lo/joyce-lee-1373760
json_url: https://lendb.ai/lo/joyce-lee-1373760.json
nmls_id: 1373760
last_verified: 2026-10-09
---

# Joyce Y Lee

Mortgage Loan Officer at Loan Factory. NMLS ID 1373760 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1373760)).

**Summary:** Joyce Y Lee (NMLS 1373760) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO122209). Also lists Arizona, California, Louisiana and Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Real estate investor and Reverse mortgage. Speaks English and Chinese. Licensed since 2023 (per Florida records). States 10 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2023 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 10 (source: https://www.loanfactory.com/mortgage-expert/joyce-y-lee-1373760, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), Louisiana (LA, lender_reported), Texas (TX, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: English, Chinese
- Profile: unclaimed
- Status: active

## Specialties

- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/joyce-y-lee-1373760
- **Reverse mortgage** (`reverse`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/joyce-y-lee-1373760

## About

Joyce has over 10 years of loan origination experience, specializing in home purchases, investor lending for commercial multi-unit and fix-and-flip properties, and reverse mortgages for seniors.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 10. Source: https://www.loanfactory.com/mortgage-expert/joyce-y-lee-1373760, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO122209 | active | confirmed | 2023-08-11 | state_regulator | 2026-10-09 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| LA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/joyce-y-lee-1373760, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1373760

## Contact

- linkedin_url: https://linkedin.com/in/joyce-lee-loanfactory (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/joyce-y-lee-1373760

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1373760
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/joyce-y-lee-1373760

Cite as: Joyce Y Lee (NMLS 1373760), Loan Factory. LenDb.ai, https://lendb.ai/lo/joyce-lee-1373760, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._